Table 3610. Consumer units of two or more persons by age of reference person: Average annual expenditures and characteristics, Consumer Expenditure Survey, 2003-2004 Total Under Item two or 25 25-34 35-44 45-54 55-64 65 years 65-74 75 years more years years years years years and older years and older persons Number of consumer units (in thousands)........... 82,011 3,876 15,200 20,128 18,264 12,271 12,273 7,339 4,934 Consumer unit characteristics: Income before taxes a/ .......................... $63,596 $34,208 $56,718 $68,391 $78,118 $71,348 $44,492 $48,936 $37,872 Income after taxes a/ ........................... 60,948 33,829 54,971 65,897 74,177 68,043 42,313 47,396 34,741 Age of reference person.......................... 47.1 21.9 29.8 39.7 49.3 59.0 73.5 69.1 80.0 Average number in consumer unit: Persons......................................... 3.1 2.9 3.4 3.7 3.1 2.5 2.3 2.4 2.2 Children under 18............................... .9 .8 1.4 1.6 .7 .2 .1 .1 .1 Persons 65 and over............................. .3 b/ b/ b/ .1 .1 1.7 1.6 1.7 Earners......................................... 1.6 1.7 1.7 1.8 2.0 1.6 .7 .9 .4 Vehicles........................................ 2.3 1.6 2.0 2.3 2.8 2.6 2.1 2.3 1.8 Percent distribution: Sex of reference person: Male............................................ 51 41 46 47 51 56 62 62 62 Female.......................................... 49 59 54 53 49 44 38 38 38 Housing tenure: Homeowner....................................... 74 26 55 73 82 89 90 90 89 With mortgage.................................. 50 17 48 62 62 50 24 31 13 Without mortgage............................... 25 9 7 11 20 38 66 59 75 Renter.......................................... 26 74 45 27 18 11 10 10 11 Race of reference person: Black or African-American....................... 12 16 13 14 11 9 9 9 9 White, Asian, and All Other Races............... 88 84 87 86 89 91 91 91 91 Education of reference person: Elementary (1-8)................................ 5 3 4 4 4 5 11 10 14 High school (9-12).............................. 37 46 33 38 33 36 43 43 41 College......................................... 58 51 63 58 63 58 45 46 44 Never attended and other........................ c/ c/ c/ c/ c/ c/ 1 1 1 At least one vehicle owned or leased............. 93 85 91 93 95 96 93 94 91 Average annual expenditures....................... $49,392 $31,960 $45,508 $52,612 $57,537 $53,064 $38,703 $42,344 $33,379 Food............................................. 6,612 4,918 6,118 7,148 7,595 6,747 5,325 5,839 4,602 Food at home.................................... 3,899 2,752 3,533 4,194 4,419 3,953 3,451 3,683 3,127 Cereals and bakery products.................... 544 395 495 608 603 508 497 511 476 Cereals and cereal products................... 184 150 178 215 200 164 148 153 140 Bakery products............................... 359 245 317 393 403 344 349 358 336 Meats, poultry, fish, and eggs................. 1,041 737 923 1,091 1,209 1,086 919 992 817 Beef.......................................... 316 230 280 326 378 332 269 299 228 Pork.......................................... 215 150 180 221 248 239 202 212 189 Other meats................................... 128 85 109 138 150 127 120 134 100 Poultry....................................... 182 145 176 198 213 175 138 147 127 Fish and seafood.............................. 152 88 136 160 172 165 142 150 132 Eggs.......................................... 47 39 42 49 48 48 47 51 41 Dairy products................................. 421 295 382 465 466 414 382 406 350 Fresh milk and cream.......................... 164 125 160 190 171 150 143 146 138 Other dairy products.......................... 257 170 222 275 295 264 240 260 212 Fruits and vegetables.......................... 653 430 584 673 734 688 632 666 585 Fresh fruits.................................. 213 129 187 215 247 227 206 215 195 Fresh vegetables.............................. 212 137 186 216 239 227 214 235 186 Processed fruits.............................. 128 98 121 137 138 130 120 120 119 Processed vegetables.......................... 99 66 90 106 110 103 91 96 84 Other food at home............................. 1,241 895 1,149 1,356 1,406 1,257 1,021 1,107 900 Sugar and other sweets........................ 149 81 124 165 171 156 138 149 122 Fats and oils................................. 104 70 89 107 121 110 101 107 94 Miscellaneous foods........................... 607 482 606 671 667 577 484 521 432 Nonalcoholic beverages........................ 334 251 300 366 393 344 254 275 225 Food prepared by consumer unit on out-of-town trips............................ 47 12 31 47 54 70 44 55 27 Food away from home............................. 2,714 2,166 2,585 2,954 3,176 2,793 1,874 2,156 1,475 Alcoholic beverages.............................. 468 557 459 483 540 469 309 363 233 Housing.......................................... 15,597 10,417 15,580 17,460 17,297 15,715 11,586 12,428 10,345 Shelter......................................... 8,857 6,273 9,314 10,147 9,913 8,472 5,804 6,289 5,082 Owned dwellings................................ 6,320 1,609 5,495 7,525 7,740 6,716 4,346 4,854 3,591 Mortgage interest and charges................. 3,625 978 3,785 4,908 4,530 3,219 1,220 1,627 613 Property taxes................................ 1,595 389 1,053 1,653 1,880 2,018 1,701 1,770 1,597 Maintenance, repairs, insurance, other expenses..................................... 1,100 241 657 964 1,330 1,478 1,426 1,456 1,380 Rented dwellings............................... 1,993 4,539 3,566 2,189 1,374 922 912 820 1,049 Other lodging.................................. 544 125 253 433 799 834 546 616 443 Utilities, fuels, and public services........... 3,313 2,173 2,909 3,480 3,726 3,542 3,051 3,215 2,807 Natural gas.................................... 468 220 398 485 513 508 494 503 481 Electricity.................................... 1,216 797 1,038 1,281 1,346 1,314 1,169 1,228 1,081 Fuel oil and other fuels....................... 131 50 74 118 158 169 167 177 152 Telephone services............................. 1,115 922 1,093 1,189 1,284 1,128 818 895 704 Water and other public services................ 384 185 306 407 426 423 402 411 389 Household operations............................ 869 468 1,082 1,108 764 727 640 582 726 Personal services.............................. 374 327 738 652 160 71 104 44 192 Other household expenses....................... 495 141 344 455 604 656 536 537 534 Housekeeping supplies........................... 668 366 542 705 773 741 647 731 531 Laundry and cleaning supplies.................. 169 119 164 177 194 173 138 151 119 Other household products....................... 334 163 244 365 398 367 335 389 260 Postage and stationery......................... 165 83 135 164 181 200 175 191 152 Household furnishings and equipment............. 1,891 1,137 1,733 2,020 2,121 2,234 1,443 1,611 1,198 Household textiles............................. 163 76 123 164 190 200 163 141 194 Furniture...................................... 502 398 527 586 497 564 310 354 245 Floor coverings................................ 63 11 40 63 73 98 58 73 36 Major appliances............................... 245 121 228 248 262 283 237 257 208 Small appliances, miscellaneous housewares.................................... 114 75 99 103 134 150 97 107 83 Miscellaneous household equipment.............. 805 457 717 856 964 939 577 680 433 Apparel and services............................. 2,068 1,779 2,217 2,335 2,362 1,986 1,162 1,415 802 Men and boys.................................... 477 332 462 587 586 403 268 347 157 Men, 16 and over............................... 357 284 313 375 476 347 237 305 142 Boys, 2 to 15.................................. 120 49 149 212 109 57 31 43 15 Women and girls................................. 814 637 791 872 999 836 503 604 362 Women, 16 and over............................. 670 581 628 612 855 774 463 549 343 Girls, 2 to 15................................. 144 55 163 260 145 62 40 55 18 Children under 2................................ 107 215 224 107 62 63 28 31 23 Footwear........................................ 368 333 392 452 407 328 189 227 137 Other apparel products and services............. 302 262 348 316 309 356 172 205 124 Transportation................................... 9,399 6,683 9,184 9,926 10,854 10,086 6,807 7,869 5,232 Vehicle purchases (net outlay).................. 4,354 3,033 4,492 4,731 4,784 4,687 3,011 3,585 2,158 Cars and trucks, new........................... 2,307 758 2,025 2,500 2,508 2,971 1,866 2,192 1,381 Cars and trucks, used.......................... 1,967 2,232 2,404 2,143 2,120 1,672 1,123 1,356 776 Other vehicles................................. 80 d/ 43 63 88 156 d/ 43 d/ 22 d/ 37 d/ 1 Gasoline and motor oil.......................... 1,765 1,472 1,694 1,880 2,079 1,825 1,230 1,413 957 Other vehicle expenses.......................... 2,801 1,946 2,648 2,877 3,433 2,917 2,082 2,342 1,700 Vehicle finance charges........................ 434 318 502 499 514 414 181 242 90 Maintenance and repairs........................ 739 464 609 731 919 822 652 745 517 Vehicle insurance.............................. 1,108 832 1,004 1,121 1,389 1,104 890 936 821 Vehicle rental, leases, licenses, other charges....................................... 520 332 532 526 611 577 359 418 272 Public transportation........................... 478 232 349 438 558 657 484 529 417 Health care...................................... 2,853 988 1,700 2,415 2,914 3,677 4,685 4,499 4,961 Health insurance................................ 1,489 503 951 1,275 1,402 1,838 2,597 2,487 2,760 Medical services................................ 720 282 449 703 852 957 793 834 732 Drugs........................................... 516 159 232 334 506 718 1,099 1,009 1,232 Medical supplies................................ 128 45 69 102 154 164 196 168 237 Entertainment.................................... 2,566 1,309 2,233 2,723 2,904 3,132 2,055 2,541 1,340 Fees and admissions............................. 612 243 421 705 745 744 480 546 381 Television, radios, sound equipment............. 868 661 858 954 979 866 639 690 563 Pets, toys, hobbies, and playground equipment... 458 274 465 489 521 463 364 465 220 Other entertainment supplies, equipment, and services................................... 628 131 489 575 659 1,058 572 840 176 Personal care products and services.............. 643 421 567 688 738 669 570 605 521 Reading.......................................... 143 54 100 123 163 191 177 173 183 Education........................................ 960 929 666 850 1,786 930 317 363 249 Tobacco products and smoking supplies............ 334 361 317 342 408 355 199 237 144 Miscellaneous.................................... 721 438 590 692 872 815 705 678 745 Cash contributions............................... 1,537 536 824 1,218 1,734 1,863 2,641 2,541 2,790 Personal insurance and pensions.................. 5,490 2,569 4,953 6,210 7,367 6,429 2,164 2,792 1,231 Life and other personal insurance............... 493 58 257 437 641 742 550 650 402 Pensions and Social Security.................... 4,996 2,510 4,696 5,773 6,726 5,687 1,614 2,142 829 Sources of income and personal taxes: a/ Money income before taxes........................ 63,596 34,208 56,718 68,391 78,118 71,348 44,492 48,936 37,872 Wages and salaries.............................. 52,115 31,136 53,006 62,109 68,332 54,969 14,512 19,541 7,020 Self-employment income.......................... 3,216 932 1,655 3,262 4,859 3,863 2,727 3,536 1,523 Social Security, private and government retirement..................................... 5,831 345 353 855 2,538 9,372 23,902 22,945 25,326 Interest, dividends, rental income, other property income................................ 1,225 191 417 635 1,141 2,138 2,741 2,329 3,355 Unemployment and workers' compensation, veterans' benefits............................. 295 130 276 344 386 331 121 113 133 Public assistance, supplemental security income, food stamps............................ 359 516 431 392 308 336 264 250 285 Regular contributions for support............... 404 683 409 654 392 179 139 97 200 Other income.................................... 152 273 171 140 162 160 86 125 d/ 30 Personal taxes................................... 2,649 379 1,747 2,495 3,940 3,305 2,179 1,540 3,131 Federal income taxes............................ 1,883 184 1,121 1,675 2,882 2,370 1,746 1,090 2,723 State and local income taxes.................... 558 172 518 643 806 626 157 180 123 Other taxes..................................... 208 23 107 177 252 309 276 271 285 Income after taxes............................... 60,948 33,829 54,971 65,897 74,177 68,043 42,313 47,396 34,741 Addenda: Net change in total assets and liabilities....... -13,852 1,295 -20,140 -18,443 -17,733 -6,299 -5,094 -6,424 -3,115 Net change in total assets...................... 9,429 13,543 15,008 12,448 7,666 8,241 83 528 -579 Net change in total liabilities................. 23,281 12,248 35,148 30,891 25,399 14,541 5,177 6,952 2,536 Other financial information: Other money receipts............................ 596 96 168 483 541 1,670 477 565 346 Mortgage principal paid on owned property....... -2,100 -324 -1,381 -2,422 -2,918 -2,762 -1,144 -1,491 -627 Estimated market value of owned home............ 151,312 31,002 97,012 149,732 177,119 196,583 175,483 184,549 161,997 Estimated monthly rental value of owned home.... 883 219 613 921 1,023 1,075 965 981 942 Gifts of goods and services...................... 1,240 459 675 952 1,940 1,868 1,004 1,189 738 Food............................................ 95 15 33 54 173 191 52 68 28 Alcoholic beverages............................. 20 13 18 21 27 20 10 15 4 Housing......................................... 286 116 173 269 398 399 230 259 190 Housekeeping supplies.......................... 59 26 43 74 70 67 44 53 32 Household textiles............................. 19 d/ 10 8 17 26 34 16 22 9 Appliances and miscellaneous housewares.................................... 34 11 25 30 37 55 38 45 28 Major appliances.............................. 11 d/ 1 4 11 12 23 12 11 13 Small appliances and miscellaneous housewares................................... 23 9 20 19 25 33 26 34 15 Miscellaneous household equipment.............. 75 30 49 80 95 99 60 71 46 Other housing.................................. 98 40 48 68 170 144 71 68 76 Apparel and services............................ 282 164 247 293 303 382 215 283 119 Males, 2 and over.............................. 75 39 51 83 81 102 67 88 37 Females, 2 and over............................ 100 45 79 102 111 147 83 117 35 Children under 2............................... 48 44 65 51 46 52 23 28 17 Other apparel products and services............ 58 36 52 58 65 81 42 50 31 Jewelry and watches........................... 18 11 21 14 20 26 11 14 6 All other apparel products and services....... 41 d/ 25 32 44 45 55 31 36 24 Transportation.................................. 53 17 51 31 90 62 40 54 21 Health care..................................... 33 d/ 9 19 29 46 43 37 42 30 Entertainment................................... 81 41 51 68 98 134 71 91 42 Toys, games, arts and crafts, and tricycles.... 29 10 20 20 33 53 30 42 13 Other entertainment............................ 52 31 32 48 64 82 41 49 29 Personal care products and services............. 25 14 19 31 31 25 17 18 15 Reading......................................... 1 c/ c/ 1 1 3 3 3 3 Education....................................... 278 d/ 21 19 107 683 436 200 203 196 All other gifts................................. 87 50 42 49 90 174 129 154 91 a Components of income and taxes are derived from "complete income reporters" only through 2003; (see glossary). Beginning in 2004 income imputation was implemented. As a result, all consumer units are considered to be complete income reporters. b Value less than 0.05. c Value less than 0.5. d Data are likely to have large sampling errors.